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DBS Cashline


  • Low interest rate from 1.65% per month
  • Credit limit up to 4x your monthly income
  • Easy access to cash 24/7 with DBS/POSB ATMs, iBanking and complimentary chequebooks
  • First year annual fee waiver
  • Apply with Cashline Instalment Loan which offers you a disciplined way of achieving your goals.
  • Enjoy a short getaway to recharge, or even plan a special surprise for your loved ones, while you enjoy bigger savings with Cashline Balance Transfer.
  • Enjoy total peace of mind with CashShield Prime Plus.

Apply Directly with Bank

Interest Rates

Singaporean OR Permanent Resident

Gross Annual Income S$20,000 – below S$30,000 S$30,000 & above
Effective interest rate 25.8% per annum 19.8% per annum
Minimum monthly repayment 2.5% of outstanding balance or S$50, whichever is higher
Minimum interest charge S$10


Application Requirements for DBS Cashline

  • Nationality: Singaporean or Permanent Resident
  • Age: 21 years & above
  • Minimum Gross Annual Income: S$20,000 & above

Note: Existing DBS Cashline, POSB Loan Assist or POSB Loan Assist Plus customers are not eligible.

Mandatory Documents

Singapore Citizen/Permanent Resident

  • NRIC (Front and Back), AND
  • Income Documents (any ONE of the following)

Salaried Employees

  1. Latest 12 months’ CPF Contribution History Statement+
  2. Latest Computerised Payslip
  3. Salary Crediting into DBS/POSB Account^^
  4. Latest Income Tax Notice of Assessment** with either A or B or C

Variable/Commission-based Employees

  1. Latest 12 months’ CPF Contribution History Statement+
  2. Latest 2 years’ Income Tax Notice of Assessment**

Self Employed

  1. Latest 2 years’ Income Tax Notice of Assessment**

+ Please note that your CPF documents submitted online are only available for up to 7 days from the date of your submission.

** You can now print your Income Tax Notice of Assessment at myTax Portal with your SingPass or IRAS PIN. The service is free. Log on to https://mytax.iras.gov.sg for more details.

^^ Income documents are not required on the condition that your salary is credited via Giro, to your own Personal DBS/POSB Account and for at least 3 consecutive months. The Bank will review, and if necessary, adjust the current combined credit limit of all unsecured accounts based on the latest salary crediting information provided.


Late payment fee S$80
Late payment interest adjustment# Additional 6% above effective interest rate (the effective interest rate is also referred to as Prevailing Interest Rate)
Annual fee S$80 (waived for first year)

# The reinstatement to the Prevailing Interest Rate will be effective on the first working day after your next Statement Date once the minimum payments due on 3 consecutive statements are made in full on or before the respective payment due dates.

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